Credit cards are overdue, and it is inevitable that card friends will encounter them. A slight non-malicious overdue is not terrible. Here, I will teach you to write a credit card overdue statement. This remedy may save you from leaving a bad record.
To a bank:
I, Li Si (ID number: 420 1063220), found that there were overdue records in my personal credit report when I applied for a commercial mortgage (loan amount: 400,000 -20 years-equal principal and interest) from a bank, and I hereby explain to your bank as follows:
I hold an ordinary credit card of your bank, but I changed my mobile phone number because of my job transfer, and I failed to receive a reminder of interest repayment from the bank. In addition, I don't know much about the relevant regulations of credit cards, which leads to my inability to repay the loan on time. It was not until I went to the bank to handle the mortgage business that I was told that there was an overdue situation.
As soon as I received the overdue notice, I immediately repaid the previous overdue arrears together with the principal. I am very sorry for the overdue repayment caused by personal negligence, but I really didn't violate the contract maliciously. Please forgive me.
I promise to strictly keep my promise in the later loan, repay on time and strictly follow your loan repayment plan. I promise that there will be no overdue repayment, and if I am willing, I will bear all the consequences caused by my failure to repay in full and on time.
Narrator: Li Si
Date: Year, Month and Day
Card friends all know how to write the explanation of overdue credit cards. The above models are for reference only. If you need to write, you can explain it in combination with your own actual situation. After the credit card overdue statement is successfully issued, the overdue will not affect the credit granting. If you have an overdue credit card and want to apply for a loan, try this method. introduce
How to write the credit card overdraft record
Description of overdue repayment of credit card:
When using a credit card, it is inevitable that the credit card will expire. Now we borrow money from the bank and apply for a credit card, and the bank will refer to the person's personal credit record. If it is overdue, it will have an impact on the handling of these businesses. At this time, you can submit a credit card overdue repayment instruction and ask the bank for leniency. The specific instruction format is as follows.
Explanation of overdue situation
In the process of applying for (1/2) housing provident fund loan (loan amount 600,000 -30 years-equal principal and interest) from xx Bank, I found that there were overdue records in the credit report, and I hereby explain to you as follows. Because of xxxxx, I didn't pay back the money in time. This overdue is not a malicious overdraft. I hope to get the understanding of relevant parties. Now I have deeply realized the serious impact of such behavior on my personal credit. I promise to repay the provident fund loan handled by xx Bank in full and on time, and I am willing to bear all the consequences caused by my failure to repay in full and on time.
How to use a credit card? What are the benefits?
Advantages of credit card: it can suspend economic pressure; Online consumption is convenient and fast; You can accumulate personal credit records. Using a credit card and repaying the loan on time can increase the credit limit.
This can save money. Many banks' credit cards cooperate with merchants. For example, there will be cash back discounts for swiping cards, and there will be discounts for eating, watching movies, shopping in supermarkets, refueling and car washing. In addition, credit card points can be exchanged for some gifts in daily life and even some lottery activities, and points can be used as money.
Suspend economic pressure. Sometimes it is urgent to use money and pay a large amount of consumption at one time, which will have certain economic pressure. If you have a credit card, you can use it to pay in installments and enjoy your favorite items in advance. The money left in hand can also be used for daily expenses and turnover.
Online consumption is convenient and fast. Many online shopping malls or Taobao shops have opened credit card payment methods, catering to consumers' psychology of spending with credit cards. Although credit card online consumption has no points, its convenient and fast payment method is liked by many people.
Accumulate personal credit records. Even if there is no big turnover demand, it usually costs money. If you use more credit cards and repay on time, you can improve your credit limit and credit rating. You will have a good credit record in the personal credit database of the People's Bank of China, and it will be much easier to approve loans to buy a house and a car in the future.
What is the credit card credit card instructions?
CreditCard (English: credit card), also known as credit card. It is a non-cash transaction payment method and a simple credit service.
Credit card is generally a special carrier plastic card with consumer credit, which is 85.60mm long, 53.98mm wide and 1mm thick. It is issued by banks to individuals and units, so that they can shop, spend and deposit and withdraw cash from banks. The form is a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back.
Credit cards are issued to cardholders by banks or credit card companies according to the credit and financial resources of users. Cardholders don't need to pay cash when using credit cards, they will make repayment on the bill date.
2065438+On April 5, 2006, the central bank issued the Notice of the People's Bank of China on matters related to credit card business, canceling the late payment fee for credit cards, introducing liquidated damages, and prohibiting the collection of over-limit fees. The new regulations came into effect on April 20, 2007.
As the first bank to issue credit cards in China, China Bank has a high threshold for handling credit cards and strict examination, so there are not many incidents of malicious overdraft of credit cards. At the same time, you should also be familiar with the rules of credit cards.
For cardholders who are not familiar with the rules of credit card use and have no intention of causing malicious overdraft of their credit cards, professionals remind credit card users that they must carefully read the instructions for the use of credit cards attached with their cards when receiving them, and make clear the overdraft limit, billing date and repayment period of their credit cards.
If you can't pay off the overdraft at one time. You can apply for installment repayment, which will ease the repayment pressure. Try to keep your password when you spend your credit card, and don't lend it to others at will.
It's really not worth being detained, fined or sentenced because of the arrears of 10 thousand yuan, so credit card holders must be familiar with the rules of credit card use and don't become credit card blind.
Concept and types of credit cards
Credit card, also known as credit card. It is a non-cash transaction payment method and a simple credit service. A credit card is a credit certificate issued by a commercial bank or a credit card company to eligible consumers.
Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
Product category:
1. According to different card issuers, it can be divided into bank cards and non-bank cards.
2. According to different card issuers, it can be divided into corporate cards and personal cards.
3. According to the credit status of the cardholder, it can be divided into ordinary cards and gold cards.
According to different payment methods, credit cards can be divided into credit cards and quasi-credit cards.
5. According to the different circulation scope of credit cards, they can be divided into international cards and regional cards.
Extended data:
According to the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks:
Article 36
The card face of a credit card should fully disclose the following basic information to the cardholder: the legal person name of the issuing bank, brand identification and anti-counterfeiting mark, card type (credit card, debit card, quasi-credit card, etc. ), the cardholder's name pinyin (mbth), expiration date, cardholder's signature, security check code, precautions, customer service phone number and bank website.
Article 37
The credit card application materials printed by the issuing bank shall at least include the following elements:
(1) Applicant information: number, applicant's name, valid ID name, ID number, company name, company address, residential address, billing address, contact number, contact name, contact phone number, contact verification information and other verification information;
(2) Contract information: contract (agreement), articles of association of credit card, important tips, notification method of contract information change, etc.
(3) Expense information: main expense items and expense levels, inquiry channels of expense information, notification methods of expense information changes, etc. ;
(4) Other information: the credit card held by the applicant and its credit line, the applicant's statement, the applicant's confirmation column and signature column, the issuing bank's service telephone number and bank website, complaint channels, etc.
"Important Tips" should be listed in the credit card application materials in an eye-catching way, including at least the basic conditions for applying for a credit card, the basic application materials needed, the rules for interest calculation and settlement, and the collection method of annual fee/late fee/over-limit fee, etc.
Tips for reading and signing the contract (agreement), tips for the applicant's information security and confidentiality, tips for legal responsibilities and handling measures related to illegal use of credit cards, and other information that has a significant impact on the applicant's credit and rights and obligations.
The applicant's confirmation column should contain the following statement, and require the customer to copy and sign: "I have read all the application materials, fully understand and clearly know the relevant information of credit card products, and am willing to abide by the rules of the contract (agreement)."
Baidu encyclopedia-credit card
How to write the personal information of the credit card?
Dear staff of a bank, I want to explain the situation to your bank, because my credit card expired in the process of applying for a loan from your bank. I once applied for a credit card of China Guangfa Bank on 20 17 and used it (line 19000). Until August 20 12, my credit had been very good, and there was no overdue or unpaid payment. However, I spent 100 yuan and 10 yuan in September of 20 12. Total consumption in two periods 173 yuan; 20 yuan, the late payment fee for each installment, and the retail interest for two installments of 5.5 1 yuan, totaling 2 18.5 1 yuan, shall be paid off immediately upon receipt of the bill on 20 12+ 1. Afterwards, I called the Credit Card Center of Guangfa Bank, and the staff confirmed that the bill had been sent. Maybe it's because the postal staff put the wrong mailbox. I'm used to using paper bills to repay, and I haven't set any other repayment reminders. Cancel the paper bill, a variety of reminders (mobile phone calendar, SMS, bank WeChat WeChat official account, Alipay, etc. ) to prevent such expiration events. In subsequent loans, I will abide by my credit and repay the principal and interest in strict accordance with your repayment plan. If there are other types of loans, I will bear the corresponding consequences. Narrator: 2065438+September 2007 1 1
Reading is over,
Me, loans overdue, for example:
Loans overdue explained.
During the whole process of Li Si (ID-12584 13220) applying to Bank of Communications for (1/2) housing provident fund mortgage (loan amount of 600,000 -30 years-equal repayment of principal and interest), I found a loans overdue record in my personal credit report, and hereby declare as follows:
Because the repayment time was wrong, there was no immediate repayment. This is not an individual's behavior of overdrawing credit cards in loans overdue. I look forward to the understanding of relevant parties. (Here you can cover it up a little according to your own details. )
Now I have deeply realized the serious harm caused by such personal behavior and personal credit reporting. I promise to repay the provident fund mortgage applied by the Bank of Communications financial institutions in full and on time, and I am willing to bear all the adverse effects caused by the failure to repay in full and on time.
Illustration: Li Si
July 2 this year
In the end, once it leads to loans overdue, personal credit information will be cast a shadow, and then loans with cars and houses will be affected. Therefore, friends are advised to use their cards objectively and pay back immediately to prevent loans overdue.
Me, loans overdue, for example:
Loans overdue explained.
During the whole process of Li Si (ID-12584 13220) applying to Bank of Communications for (1/2) housing provident fund mortgage (loan amount of 600,000 -30 years-equal repayment of principal and interest), I found a loans overdue record in my personal credit report, and hereby declare as follows:
Because the repayment time was wrong, there was no immediate repayment. This is not an individual's behavior of overdrawing credit cards in loans overdue. I look forward to the understanding of relevant parties. (Here you can cover it up a little according to your own details. )
Now I have deeply realized the serious harm caused by such personal behavior and personal credit reporting. I promise to repay the provident fund mortgage applied by the Bank of Communications financial institutions in full and on time, and I am willing to bear all the adverse effects caused by the failure to repay in full and on time.
Illustration: Li Si
July 2 this year
In the end, once it leads to loans overdue, personal credit information will be cast a shadow, and then loans with cars and houses will be affected. Therefore, friends are advised to use their cards objectively and pay back immediately to prevent loans overdue.
So much for the introduction of credit card instructions.